Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income (TDSP) from Q1 1980 to Q2 2025 about disposable, payments, personal income, debt, percent, households, personal, income, services, and USA.

In the third quarter of 2024, household debt in the United States amounted to over 71.66 percent of its GDP. It can be generally observed that U.S. households are more indebted by the end of the year than in any other quarter. The debt of households peaked in the last quarter of 2020, reaching the highest value since 2013. Debt to GDP ratio As it can be observed here, the household debt to GDP ratio decreased overall in the recent years. The steady growth of the gross domestic product in the United States could be a factor explaining this tendency. If the volume of debt grows at a slower pace than the GDP, the debt to GDP ratio would decrease. In addition to that, the overall value of mortgage debt in the U.S., which is the most significant component of the household debt, decreased from 2012 to the third quarter of 2014, but it has rebounded since then. Public debt in the U.S. Public debt in the United States, which is the amount of money borrowed by the government to finance budget deficits, has been increasing almost every single year. Not only that, but according to that forecast it is also expected to keep increasing during the coming years. The major holders of American government debt, as of December 2023, were Federal Reserve and government accounts and foreign and international holders. The ratio of national debt to GDP of the United States was higher than that of other major economies, but lower than that of Japan. Some of the lowest debt to GDP ratios were observed in Hong Kong SAR, Kuwait, and Turkmenistan.

This dataset provides values for HOUSEHOLDS DEBT TO INCOME reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Denmark, the Netherlands, and Norway were among the European countries with most indebted households in 2023 and 2024. The debt of Dutch households amounted to *** percent their disposable income in the 2nd quarter of 2024. Meanwhile, Norwegian households' debt represented *** percent of their income in the 3rd quarter of 2023. However, households in most countries were less indebted, with that ratio amounting to ** percent in the Euro area. Less indebtedness in Western and Northern Europe There were several European countries where household's debts outweighed their disposable income. Most of those countries were North or West European. However, the indebtedness ratio in Denmark has been decreasing during the past decade. As the debt of Danish households represented nearly *** percent in the last quarter of 2014, which has fallen very significantly by 2024. Other countries with indebted households have been following similar trends. The households' debt-to-income ratio in the Netherlands has also fallen from over *** percent in 2013 to *** percent in 2024. Debt per adult in Europe In Europe, the value of debt per adult varies considerably from an average of around 10,000 U.S. dollars in Europe to a much higher level in certain countries such as Switzerland. Debts can be formed in a number of ways. The most common forms of debt include credit cards, medical debt, student loans, overdrafts, mortgages, automobile financing and personal loans.

Graph and download economic data for Mortgage Debt Service Payments as a Percent of Disposable Personal Income (MDSP) from Q1 1980 to Q2 2025 about disposable, payments, mortgage, personal income, debt, percent, personal, income, services, and USA.

Attitudes towards savings and debt differ greatly among countries worldwide. While the household debt in Denmark represented a *** percent of their disposable income in 2021, those figures amounted to ** percent in Mexico. Household debt represented a *** percent of disposable income in the UK and *** percent in the U.S..

Graph and download economic data for Large Bank Consumer Mortgage Originations: Original Front-End Debt-to-Income (DTI): 75th Percentile (RCMFLOFEDTIPCT75) from Q3 2012 to Q2 2025 about origination, FR Y-14M, large, mortgage, percentile, debt, consumer, income, banks, depository institutions, and USA.

36-43% is the median debt-to-income range for U.S. home buyers

The total average non-mortgage debt of Baby Boomers in the United States amounted to nearly 18,470 U.S. dollars in 2024. Debt balances, however, varied greatly according to the generation. The Generation X held the highest debt on average, while the silent generation held the lowest average debt.

Distribution of purchase mortgages by debt-to-income ratio for U.S. home buyers in 2024, showing market share across different DTI ranges from less than 20% to more than 50%

Mortgage approval rates by debt-to-income ratio for U.S. home buyers in 2024, showing approval percentages across different DTI ranges from less than 20% to more than 50%

United States Household Debt Service Ratio: sa data was reported at 9.843 NA in Jun 2018. This records a decrease from the previous number of 9.864 NA for Mar 2018. United States Household Debt Service Ratio: sa data is updated quarterly, averaging 11.285 NA from Mar 1980 (Median) to Jun 2018, with 154 observations. The data reached an all-time high of 13.228 NA in Dec 2007 and a record low of 9.839 NA in Dec 2012. United States Household Debt Service Ratio: sa data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB005: Household Debt Service and Financial Obligations Ratios: Seasonally Adjusted. Household Debt Service Ratio: sa (id: 51016902) is the ratio of total required household debt payments to total disposable income.

The value of the debt per adult in Europe in 2022 varied a lot from country to country. While Swiss adults had on average over ******* U.S. dollars of debt in 2022, adults from Azerbaijan had a debt of *** dollars. Meanwhile, the average volume of debt in Europe that year was almost ****** U.S. dollars per adult. The household debt to disposable income ratio in Europe follows a similarly varied distribution. As varied as the volume of debts in Europe are, the most common forms of debt are still very similar and they tend to include: credit cards, medical debt, student loans, overdrafts, mortgages, automobile financing and personal loans.

Negative Equity in U.S. Housing Market

Measuring Home Values, Debt, and Credit Risk

By Zillow Data [source]

About this dataset

This dataset, Negative Equity in the US Housing Market, provides an in-depth look into the negative equity occurring across the United States during this single quarter. Included are metrics such as total amount of negative equity in millions of dollars, total number of homes in negative equity, percentage of homes with mortgages that are in negative equity and more. These data points provide helpful insights into both regional and national trends regarding the prevalence and rate of home mortgage delinquency stemming from a diminishment of value from peak levels.

Home types available for analysis include 'all homes', condos/co-ops, multifamily units containing five or more housing units as well as duplexes/triplexes. Additionally, Cash buyers rates for particular areas can also be determined by referencing this collection. Further metrics such as mortgage affordability rates and impacts on overall indebtedness are readily calculated using information related to Zillow's Home Value Index (ZHVI) forecast methodology and TransUnion data respectively.

Other variables featured within this dataset include characteristics like region type (i.e city, county ..etc), size rank based on population values , percentage change in ZHVI since peak levels as well as loan-to-value ratio greater than 200 across all regions constituted herein (NE). Moreover Zillow's own Secondary Mortgage Market Survey data is utilized to acquire average mortgage quote rates while correlative Census Bureau NCHS median household income figures represent typical assessable proportions between wages and debt obligations . So whether you're looking to assess effects along metro lines or detailed buffering through zip codes , this database should prove sufficient for insightful explorations! Nonetheless users must strictly adhere to all conditions encompassed within Terms Of Use commitments put forth by our lead provider before accessing any resources included herewith

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Research Ideas

• Analyzing regional and state trends in negative equity: Analyze geographic differences in the percentage of mortgages “underwater”, total amount of negative equity, number of homes at least 90 days late, and other key indicators to provide insight into the factors influencing negative equity across regions, states and cities.
• Tracking the recovery rate over time: Track short-term changes in numbers related to negative equity (e.g., region or area ZHVI Change from Peak) to monitor recovery rates over time as well as how different policy interventions are affecting homeownership levels in affected areas.
• Exploring best practices for promoting housing affordability: Compare affordability metrics (e.g., mortgage payments, price-to-income ratios) across different geographic locations over time to identify best practices for empowering homeowners and promoting stability within the housing market while reducing local inequality impacts related to availability of affordable housing options and access to credit markets like mortgages/loans etc

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: NESummary_2017Q1_Public.csv | Column name | Description | |:------------------------------------------------|:-----------------------------------------------------------------------------------------------------------------------------------| | RegionType | The type of region (e.g., city, county, metro etc.) (String) | | City | Name of the city (String) | | County | Name of the county (String) | | State | Name of the state (String) | | Metro ...

Households Debt in Canada decreased to 99.58 percent of GDP in the first quarter of 2025 from 100.39 percent of GDP in the fourth quarter of 2024. This dataset provides - Canada Households Debt To Gdp- actual values, historical data, forecast, chart, statistics, economic calendar and news.

The statistic shows the gross national debt of the United States from 2019 to 2024 in relation to the gross domestic product (GDP), with projections up until 2030. In 2024, the national debt of the United States was at around 120.79 percent of the gross domestic product. See the US GDP for further information. US finances There has been a dramatic increase in the public debt of the United States since 1990, although the month-to-month change has been quite stable over the last few months. Public debt is defined as the amount of money borrowed by a country to cover budget deficits. A ranking of individual state debt in the United States shows that California is leading by a clear margin, with more than double the amount of runner-up New York. Vermont, North Dakota and South Dakota are the states with the lowest amount of debt. Even before the recession of 2008, the national debt of the United States had been increasing steadily and excessively, and it is predicted to rise even further. Budget cuts and fewer job opportunities as a result of the crisis are taking their toll on the American economy, which is still recovering. Trade figures as well as unemployment are still below average. Subsequently, the national debt and the national debt of the United States per capita have more or less quadrupled since the 1990s. Interestingly, the United States is not even among the top ten of countries with the highest public debt in relation to gross domestic product in international comparison. Japan, Greece and Italy – among others – report far higher figures than the United States.

Fannie Mae and Freddie Mac Loan-Level Dataset

Borrower Demographics, Loan-to-Value Ratios, and Census Tract Location

By Natarajan Krishnaswami [source]

About this dataset

The FHFA Public Use Databases provide an unprecedented look into the flow of mortgage credit and capital in America's communities. With detailed information about the income, race, gender and census tract location of borrowers, this database can help lenders, planners, researchers and housing advocates better understand how mortgages are acquired by Fannie Mae and Freddie Mac.

This data set includes 2009-2016 single-family property loan information from the Enterprises in combination with corresponding census tract information from the 2010 decennial census. It allows for greater granularity in examining mortgage acquisition patterns within each MSA or county by combining borrower/property characteristics, such as borrower's race/ethnicity; co-borrower demographics; occupancy type; Federal guarantee program (conventional/other versus FHA-insured); age of borrowers; loan purpose (purchase, refinance or home improvement); lien status; rate spread between annual percentage rate (APR) and average prime offer rate (APOR); HOEPA status; area median family income and more.

In addition to demographic data on borrowers and properties, this dataset also provides insight into affordability metrics such as median family incomes at both the MSA/county level as well as functional owner occupied bankrupt tracts using 2010 Census based geography while taking into account American Community Survey estimates available at January 1st 2016. This allows us to calculate metrics that are important for assessing inequality such as tract income ratios which measure what portion of an area’s median family income is made up by a single borrows earnings or the ratio between borrows annual income compared to an area’s average median family iincome for those year’s reporting period. Finally each record contains Enterprise Flags associated with whether loans were purchased my Fannie Mae or Freddie Mac indicating further insights regarding who is financing policies affecting undocumented immigrant labor access as well affordable housing legislation targeted towards first time home buyers

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How to use the dataset

This guide will provide you with all the information needed to use the Fannie Mae and Freddie Mac Loan-Level Dataset for 2016. The dataset contains loan-level data for both Fannie Mae and Freddie Mac, including loans acquired in 2016. It includes details such as homeowner demographics, loan-to-value ratio, census tract location, and affordability of mortgage.

The first step to using this dataset is understanding how it is organized. There are 38 fields that make up the loan level data set, making it easy to understand what is being looked at. For each field there is a description of what the field represents and potential values it can take on (i.e., if it’s an integer or float). Having an understanding of the different fields will help when querying certain data points or comparing/contrasting.

Once you understand what type of information is available in this dataset you can start to create queries or visualizations that compare trends across Fannie Mae & Freddie Mac loans made in 2016. Depending on your interest areas such as homeownership rates or income disparities certain statistics may be pulled from the dataset such as borrower’s Annual Income Ratio per area median family income by state code or a comparison between Race & Ethnicity breakdown between borrowers and co-borrowers from various states respective MSAs, among other possibilities based on your inquiries . Visualizations should then be created so that clear comparisons and contrasts could be seen more easily by other users who may look into this same dataset for additional insights as well .

After creating queries/visualization , you can dive deeper into research about corresponding trends & any biases seen within these datasets related within particular racial groupings compared against US Postal & MSA codes used within the 2010 Census Tract locations throughout the US respectively by further utilizing publicly available research material that looks at these subjects with regards housing policies implemented through out years one could further draw conclusions depending on their current inquiries

Research Ideas

• Use the dataset to analyze borrowing patterns based on race, nationality and gender, to better understand the links between minority groups and access to credit...

Graph and download economic data for Federal government current expenditures: Interest payments (A091RC1Q027SBEA) from Q1 1947 to Q2 2025 about payments, expenditures, federal, government, interest, GDP, and USA.

Graph and download economic data for Personal Saving Rate (PSAVERT) from Jan 1959 to Aug 2025 about savings, personal, rate, and USA.

Graph and download economic data for Loan Loss Reserve to Total Loans for U.S. Banks with average assets under $1B (DISCONTINUED) (US1LLRTL) from Q1 1984 to Q3 2020 about gains/losses, reserves, loans, assets, banks, depository institutions, and USA.